Credit Card Deals with Lowest APR

Citibank Citi® Platinum Select® MasterCard® 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness. No annual fee.26 Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more. Apply Online!

Capital One® Platinum Prestige Credit Card 0% intro APR until May 2013 on balance transfers. 0% intro APR until May 2013 on purchases. No annual fee. Apply Online! or (866) 554-0808

Discover® Card Discover® More Card 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%.± 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.± Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com. Apply Online!

Discover® Card Discover® More Card - $0 Balance Transfer Fee! Limited Time Offer - $0 Balance Transfer Fee!± 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%.± 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.± Apply Online!

The Longest 0% APR Period for Balance Transfer

Citibank
Citi® Diamond Preferred® Card

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
• No annual fee.²⁶

see details

	Bank Name Card Name	Intro APR PURCH.	Intro Period PURCH.	Intro APR BAL.TR.	Intro Period BAL.TR.	APR %	Annual Fee	Apply Details
	Discover® Card Discover® More Card - 18 Month Promotional Balance Transfer	0%	6 months	0%	18  months	10.99% - 20.99%± Variable	$0	Apply Online See details
	Capital One® Cash	0%	Until February 2013	0%	Until February 2013	12.9% - 20.9% (V)	$0	Apply Online or Call (866) 554-0808 See details
	HSBC Bank Nevada Orchard Bank® Classic MasterCards	n/a	n/a	n/a	n/a	7.99% - 19.99%	$0 - $5938	Apply Online See details
	Capital One® Capital One® MasterCard® Offers for You	See terms	See terms	See terms	See terms	10.9% - 24.9% (V)	See terms	Apply Online See details
	Citibank Citi® Platinum Select® Visa® Card	0%26	18 months26	0%26	18 months26	11.99% - 21.99%26 (V)	$026	Apply Online See details

It is not the initial borrowed money that takes people so much time to pay off, but it is the interests that you have to pay on that initial sum of money. The higher the interest rate is, the more time it takes you to pay off your debt and vice versa.

Low interest credit deals can give you enough benefits. For instance, if you have a low interest card with very low rates, and want to take a small loan in order to make a large purchase, like a new car, you can put this large purchase on your low interest credit card and thus save money.

If you have a debt on your credit card with a high interest rate, balance transfer will help to manage your debt. Just find a plastic with lower ongoing APR or with 0% intro APR and transfer your balance onto such a card. Thus you will be able to start paying off your initial debt without losing money on high interests. But read carefully the fine print in a credit application, make sure that your intro APR won't jump too high, otherwise you will get in deeper debts and spoil your credit score.

Your excellent or good credit history is a guarantee of your responsibility to make payments and gives you a chance to get a very profitable credit offer, and low interest rate credit cards are a perfect choice.

You often make purchases online? Obtain Discover More Card and you will get 0% Intro APR, 10.99% ongoing APR and 20% cash back bonus on every online purchase.

Business owners can get certain benefit from using business with rewards. It offers them no annual fee, competitive interests and either 5% cash back rewards or travel rewards. One more advantage of the plastic is that you can get it with personalized design that lets you use a card with the name of your company on the top of it.

But low interest credit deals, as everything in this world, have some disadvantages, too. One of them is high fees for late payment and exceeding the credit limit. So, be careful, try to pay on time all your bills in order to avoid these fees and not to spoil your credit score.

If low interest credit cards are for you, make your own research before obtaining a card. There are lots of low interest credit cards available from different issuers, but be careful while choosing a plastic. Pay close attention to all terms and conditions. There are a lot of issuing companies that claim to provide low interest credit offers, but read the fine print. Many credit cards offer low interests for introductory period only and after this introductory period will be over, these interests can jump very high. Make an effort to read a credit agreement carefully and you will avoid this credit trap and save your money.

So, if you make your choice and want to get a credit card with low interests, feel free to apply for a plastic by filling in a secure online application at our web site.